Population & age
- Total population
- 26,104
- Median age
- 37.1
Berea, KY (40403)
Madison County · Population 26,104
Fresh.Data current as of Apr 24, 2026
Berea, KY (ZIP 40403) sits in Madison County. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 9 schools serving the area, 9 non-charter. 6 colleges and universities serve the area, with median in-state tuition of $51,658. IRS data shows average household income (AGI) of $58,116 per tax return. Whitaker Bank holds 60% of FDIC-reported deposits in this ZIP (2024) — a notably concentrated local banking market. FEMA has issued 40 federal disaster declarations affecting this ZIP since 1972 — a high-frequency exposure profile. County Health Rankings reports 11,055 years of potential life lost per 100,000 (2025) — well above the national county median. 25.8% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. IRS migration data (2022-2023) shows a net gain of 1,683 residents (865 households) — the ZIP's primary county is growing. Schools are the headline here — lots of options at varying types — while healthcare access numbers suggest worth-shopping coverage and provider choice carefully. Notable: median household income $57,500, fair market rent of $880 for a two-bedroom, and a typical home value of $252,767, up 1.4% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Demographics
Race & ethnicity
- White
- 92.7%
- Black
- 1.6%
- Asian
- 0.2%
- Hispanic / Latino
- 3.4%
- Other / multi-racial
- 4.6%
Income & housing
- Median household income
- $57,500
- Median home value
- $175,000
Education
- Bachelor's degree or higher (age 25+)
- 24.3%
Employment
- Unemployment rate
- 2.5%
Housing
- Owner-occupied
- 6,798(68.2%)
- Renter-occupied
- 3,168(31.8%)
- Vacant units
- 894
- Built (median)
- 1991
Commute
- Public transit
- 6(0.1%)
- Work from home
- 882(7.7%)
- Avg commute
- 22.7 min
Economic wellbeing
- Below poverty line
- 4,485(17.7%)
- Uninsured
- 224(0.9%)
Digital access
- Broadband access
- 8,656(86.9%)
- No broadband
- 1,310(13.1%)
Language & nativity
- Foreign-born
- 493(1.9%)
- Non-English at home
- 818(3.3%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$670
/month
1 Bed
$760
/month
2 Bed
$880
/month
3 Bed
$1,210
/month
4 Bed
$1,360
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$252,767
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
+1.4%
vs. March 2025
5-year change
+38.0%
vs. March 2021
Metro area
Richmond-Berea, KY
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing construction
New housing units permitted
816
Across 577 permitted buildings. Total construction value: $160.8M.
Single-family
536
66% of total units
Multifamily (2+ unit)
280
34% of total units
Single-family value
$130.3M
construction value
Multifamily value
$30.5M
construction value
Aggregated from 2 counties touching this ZIP (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Income & tax statistics
Tax returns filed
11,360
Average AGI
$58,116
Avg property tax
$74
EITC participation
19.2%
Income distribution
- $1 – $25,00030.7% · 3,490
- $25,000 – $50,00025.6% · 2,910
- $50,000 – $75,00017.1% · 1,940
- $75,000 – $100,00010.8% · 1,230
- $100,000 – $200,00013.8% · 1,570
- $200,000 or more1.9% · 220
Avg mortgage interest
$212
Avg charitable contribution
$330
Avg capital gains
$1,512
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $660.2M across all reported brackets.
Business & employment
Business establishments
416
Total employment
5,769
Annual payroll
$237.9M
Average annual pay
$41,245
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$53,794
Average weekly wage
$1,035
Total employment
36,909
Total establishments
3,101
That is roughly 18% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
5.0%
That is 1.0 percentage points above the US national unemployment rate of about 4.0%.
Labor force
45,899
Employed
43,618
Unemployed
2,281
Based on Madison County, KY data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Banking access
FDIC-insured bank branches
12
Strong banking access
Multiple institutions and offices within easy reach of residents.
Total deposits
$465.6M
across all branches in this ZIP
Distinct institutions
8
different banks operating here
Top banks by deposits in this ZIP
- 1.Whitaker Bank$280.2M · 5 branches
- 2.U.S. Bank National Association$54.6M · 1 branch
- 3.Community Trust Bank, Inc.$47.8M · 1 branch
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Community health centers
Federally funded health-center sites
6
Strong health-center coverage
Several federally funded community health centers operate here, giving residents real choice in primary-care providers.
FQHC sites
6
federally qualified
Look-Alike sites
0
FQHC equivalents
Avg hours / week
50
across sites in this ZIP
Sites in this ZIP
- 1.White House Clinics Berea Pediatrics
- 2.White House Clinic - Berea
- 3.Berea Primary Care Clinic
+ 3 more sites in this ZIP
Federally Qualified Health Centers (FQHCs) and Look-Alike sites provide primary care on a sliding-fee scale, regardless of ability to pay. Active sites only; data refreshed 2026.
Source: HRSA Bureau of Primary Health Care (data.hrsa.gov). Per-ZIP counts of active service-delivery sites operated by Health Center Program grantees and Look-Alike organizations.
Alternative-fuel stations
Public EV charging stations
6
Established EV charging
Multiple public charging stations across the ZIP — typical of mid-density suburban and small-urban areas with active EV adoption.
Level 2 ports
12
AC charging — workplace, retail, home
DC Fast ports
0
Highway-class fast charging
Charging networks
- CIRCLE_K
- Non-Networked
- Tesla Destination
Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.
Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.
Public libraries
Public-library outlets
1
Single library outlet
One public-library outlet serves this ZIP — typical of suburban and small-town areas. Card holders also have full access to the rest of the system's branches.
Buildings
1
1 branch
Avg hours / week
66
across outlets in this ZIP
Avg square feet
11,254
per outlet
Outlets in this ZIP
- 1.Berea Branch Library
Public libraries provide free WiFi, computer access, children's programming, job-seeking resources, and meeting space — community infrastructure beyond books. FY2023 outlet inventory from the federal Public Libraries Survey.
Source: Institute of Museum and Library Services (imls.gov). Per-ZIP counts of active public-library outlets — central buildings, branches, and bookmobiles — operated by federally reporting library systems.
Social Vulnerability Index
Overall SVI
43rd percentile
Moderate Vulnerability
Based on 13 census tracts, population 24,139
Vulnerability Themes
- Socioeconomic Status43rd percentile
- Household Characteristics48th percentile
- Racial & Ethnic Minority Status13th percentile
- Housing Type & Transportation55th percentile
Households Without Vehicle
428
Limited English Speakers
106
Persons with Disability
4,839
Without HS Diploma
2,017
Without Health Insurance
1,268
Adults Age 65+
3,584
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.
Federal Disaster Declarations
Federally Declared Disasters
40
Date Range
1972–2026
Most Recent Declaration
SEVERE WINTER STORM
Winter Storm — declared January 24, 2026 (DR-3633)
Incident period: January 23, 2026 – January 27, 2026
Top Incident Types
- Severe Storm17 (43%)
- Flood7 (18%)
- Snowstorm4 (10%)
- Severe Ice Storm3 (8%)
- Biological2 (5%)
- Other7 (18%)
Individual Assistance
7
Direct help to disaster survivors
Households Program
8
Housing & temporary lodging support
Public Assistance
38
Repair of public facilities & roads
Hazard Mitigation
19
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Community health profile
Years of potential life lost (per 100K)
11,055
That is roughly 2,855 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
19%
of adults self-report
Poor physical health days
4.5
avg per adult per month
Poor mental health days
5.2
avg per adult per month
Uninsured
6.1%
of residents under 65
Primary care MDs
48
per 100,000 residents
Preventable hospital stays
2,544
per 100K Medicare enrollees
Food environment (0-10)
7.0
10 = best access & security
Exercise access
78%
residents near a facility
Flu vaccinated
40%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.8% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Madison data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Significant food access concerns
25.8% of Madison County, KY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.10
per 1,000 residents
Supercenters & clubs
0.03
per 1,000 residents
SNAP-authorized stores
0.90
accepting food benefits
Fast-food restaurants
0.71
per 1,000 residents
Among low-income residents, 12.0% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Madison County, KY for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Who’s moving in and out
Net migration (2022-2023)
▲+1,683 people
+865 households • +$49.9M net AGI flow
Moved in
4,183households
7,233 people • $222.6M AGI
Moved out
3,318households
5,550 people • $172.6M AGI
Where new residents came from
- Fayette County, KY — 661 households
- Clark County, KY — 117 households
- Estill County, KY — 104 households
- Rockcastle County, KY — 94 households
- Laurel County, KY — 86 households
Where departing residents went
- Fayette County, KY — 461 households
- Rockcastle County, KY — 109 households
- Garrard County, KY — 86 households
- Clark County, KY — 79 households
- Jefferson County, KY — 79 households
Incoming households reported an average AGI of $53,207 versus departing households' $52,025.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Data sources used on this page
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
All Teeth Lost
19.4%
No national benchmark available.
Short Sleep Duration
43.7%
No national benchmark available.
Colorectal Cancer Screening
64.9%
No national benchmark available.
Dental Visit
57.9%
No national benchmark available.
Mammography
73.1%
No national benchmark available.
Schools in this ZIP
9 schools serve this ZIP, including 9 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Madison Southern High School | Public | 9–12 | 1,228 |
| Kingston Elementary School | Public | -1–5 | 574 |
| Shannon Johnson Elementary School | Public | -1–5 | 524 |
| Berea Community Elementary School | Public | -1–5 | 490 |
| Farristown Middle School | Public | 6–8 | 479 |
Showing top 5 by enrollment. 4 more schools serve this ZIP.
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 27, 2026Colleges & universities nearby
Colleges in this area
6
Median in-state tuition
$51,658
Median earnings (10 yr)
$45,795
- Certificate
Berea Beauty Academy
Berea, KY · 40403
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- —
- Median student debt
- —
- 4-Year
Eastern Kentucky University
Richmond, KY · 40475
- In-state tuition
- $10,320
- Out-of-state tuition
- $21,230
- Acceptance rate
- 77.6%
- Graduation rate
- 49.9%
- Median earnings (10 yr)
- $45,795
- Median student debt
- $22,500
- 4-Year
Berea College
Berea, KY · 40404
- In-state tuition
- $51,658
- Out-of-state tuition
- $51,658
- Acceptance rate
- 19.3%
- Graduation rate
- 60.1%
- Median earnings (10 yr)
- $43,150
- Median student debt
- $3,591
- 4-Year
Centre College
Danville, KY · 40422
- In-state tuition
- $52,820
- Out-of-state tuition
- $52,820
- Acceptance rate
- 54.4%
- Graduation rate
- 83.1%
- Median earnings (10 yr)
- $66,240
- Median student debt
- $27,000
- Certificate
Medical Career & Technical College
Richmond, KY · 40475
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 67.7%
- Median earnings (10 yr)
- —
- Median student debt
- $6,333
- Certificate
Kentucky Horseshoeing School
Richmond, KY · 40475
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 87.3%
- Median earnings (10 yr)
- —
- Median student debt
- —
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
Berea, KY (ZIP 40403) sits in Madison County. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 9 schools serving the area, 9 non-charter. 6 colleges and universities serve the area, with median in-state tuition of $51,658. IRS data shows average household income (AGI) of $58,116 per tax return. Whitaker Bank holds 60% of FDIC-reported deposits in this ZIP (2024) — a notably concentrated local banking market. FEMA has issued 40 federal disaster declarations affecting this ZIP since 1972 — a high-frequency exposure profile. County Health Rankings reports 11,055 years of potential life lost per 100,000 (2025) — well above the national county median. 25.8% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. IRS migration data (2022-2023) shows a net gain of 1,683 residents (865 households) — the ZIP's primary county is growing. Schools are the headline here — lots of options at varying types — while healthcare access numbers suggest worth-shopping coverage and provider choice carefully. Notable: median household income $57,500, fair market rent of $880 for a two-bedroom, and a typical home value of $252,767, up 1.4% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
These readings invert. Education density is the headline; healthcare access numbers suggest provider choice and coverage are worth shopping carefully. The two domains don’t move together at the ZIP level — both deserve their own due diligence rather than a single judgment.
Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 40403
How many schools are in ZIP 40403?
9 schools serve this ZIP, including 9 public schools (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.
Does ZIP 40403 have charter schools?
No charter schools are listed in ZIP 40403 by NCES CCD (retrieved Apr 27, 2026).
Are there high schools in ZIP 40403?
Yes, 2 high schools serve this ZIP: Madison Southern High School, Berea Community High School. (NCES CCD, retrieved Apr 27, 2026).
What is the population of ZIP 40403?
26,104 people live in ZIP 40403, with a median age of 37.1 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 40403?
$57,500 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 40403 mostly renters or homeowners?
In ZIP 40403, 68.2% of occupied housing units are owner-occupied and 31.8% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 40403?
In ZIP 40403, 7.7% of workers work from home. Public transit is used by 0.1% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 40403?
17.7% of the population in ZIP 40403 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 40403 have broadband internet?
86.9% of households in ZIP 40403 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 40403?
The typical home value in ZIP 40403 is $252,767, up 1.4% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 40403?
Home values are up 1.4% over the past year and up 38.0% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 40403?
The average Adjusted Gross Income reported on tax returns from ZIP 40403 (Berea, KY) is $58,116 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 40403?
Tax returns from ZIP 40403 report an average of $74 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 40403 earn over $200,000?
1.9% of tax returns from ZIP 40403 (Berea, KY) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 40403?
As of 2022, 416 business establishments operated in ZIP 40403 employing 5,769 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 40403?
The average annual pay across all local establishments in ZIP 40403 is $41,245, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 40403 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 40403 ranks in the 43th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 40403?
Housing Type & Transportation is the highest-scoring CDC SVI theme for ZIP 40403, ranking in the 55th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 40403 experienced?
FEMA has recorded 40 federal disaster declarations affecting ZIP 40403 between 1972–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 40403?
Severe Storm is the most common federally declared disaster type affecting ZIP 40403, accounting for 17 of 40 declarations (43%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 40403?
The most recent FEMA disaster declaration affecting ZIP 40403 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3633) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 40403?
6 colleges and universities are listed near ZIP 40403 by the U.S. Department of Education College Scorecard, including Berea Beauty Academy, Eastern Kentucky University, and Berea College (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 40403?
Median in-state tuition across 6 nearby institutions is $51,658 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 40403?
Graduates of nearby colleges earn a median of $45,795 ten years after entry (College Scorecard, retrieved May 2, 2026).
What data is available for ZIP 40403?
This page covers health outcomes from CDC PLACES (5 metrics), school information from NCES CCD (9 schools), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (6 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), and federal disaster declarations from FEMA OpenFEMA (40 on record). Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 27, 2026 from NCES CCD. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (40 on record).
More Info topics
Nearby ZIPs: more ZIP code profiles launching Q3 2026.
Have a specific question about ZIP 40403?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.